Best Medicare Advantage Plans in Washington County, RI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Washington County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Washington County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC RI-0001 (HMO-POS)UnitedHealthcare · HMO-POSAll 5 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $48 | $5,400 | $5,976 | 4★ |
| 2 | AARP Medicare Advantage from UHC RI-0002 (HMO-POS)UnitedHealthcare · HMO-POSAll 5 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,300 | $6,300 | 4★ |
| 3 | BlueCHiP for Medicare Access (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $100/yr | $31.30 | $6,000 | $6,376 | 3.5★ |
| 4 | BlueCHiP for Medicare Essential (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $500Preventive dental up to $500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 5 | Aetna Medicare Signature (PPO)Aetna Medicare · PPOAll 5 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 6 | BlueCHiP for Medicare Enhanced (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr · OTC items $100/yr | $39 | $6,750 | $7,218 | 3.5★ |
| 7 | AARP Medicare Advantage from UHC RI-0003 (PPO)UnitedHealthcare · PPOAll 5 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $27 | $7,150 | $7,474 | 4★ |
| 8 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPOAll 5 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $54 | $7,150 | $7,798 | 4★ |
| 9 | BlueCHiP for Medicare Extra (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $450Dental up to $2,500/yr · eyewear $300/yr · OTC items $160/yr | $159 | $6,000 | $7,908 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 13 in 2026, 12 in 2027.
- $0-premium plans: 8 in 2026, 6 in 2027.
- Median in-network out-of-pocket maximum: $5,900 in 2026, $6,525 in 2027.
- 14,589 people here were in a general-audience Advantage plan in October 2026; 40 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS), BlueCHiP for Medicare Core (HMO), Aetna Medicare Eagle Giveback (PPO).
Questions
How many Medicare Advantage plans are in Washington County for 2027?
9 general-audience plans with drug coverage, 3 of them with a $0 monthly premium, compared with 13 plans and 8 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Washington County?
AARP Medicare Advantage from UHC RI-0001 (HMO-POS) from UnitedHealthcare: $48 a month with an in-network out-of-pocket maximum of $5,400, so at most about $5,976 for the year in premiums and in-network costs.
Do any Washington County plans have a Part B giveback?
None of the plans with drug coverage here files a Part B premium reduction for 2027.
How many Washington County plans have 4 or more stars?
5 of 9, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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